Agrarian Trust

Land Access Strategy: Sharing Risk with Split Mortgages

Investing in small-scale agriculture is not always seen as a secure investment. Sharing the risk by using a split mortgage helped Blue Ox Organics farmers Lauren and Caleb Langworthy buy their land.

The couple had been farming on rented land, but were unable to invest what they needed to into the soil without the security of longer land tenure. By contacting their local Farm Service Agency (FSA) representative, they learned about the possibility of a split mortgage. Their land purchase was financed in part by private investors, and in part by the FSA. Without the existence of substantial collateral, the loan is backed by a first and second lien on the property.

Learn more about Blue Ox Organics in our land access stories.